Over 40% of Singaporeans think they will never achieve financial freedom: Singlife poll
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- Опубліковано 12 вер 2024
- According to a survey of 3,000 Singaporeans and permanent residents aged 18 to 65, more than four in 10 people said they may never be able to achieve financial freedom. In this year's Singlife Financial Freedom Index, respondents believed they need around $612,000 to be financially free -- 8% more than last year's figure -- and it would take them 30 years to accumulate that amount. Meanwhile, four in five surveyed said they aim to retire by 65, with most saying they need more than $2,800 a month to live comfortably. Dr Aurobindo Ghosh, director of the SMU Financial Literacy, Inclusion and Technology Programme, discussed the findings.
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I mean, forget about financial freedom, just the thought of owning a house to live in is inconceivable.
每个新加坡人民
都能财务自由
看你要不要先苦后甜而已
我年轻时候
一个月只花五十块，伙食费
（住宿！有𠂆车不花钱）
工资！全部存进去定期存款
赚利息
錢生錢
简单说就是
低配生活！高配灵魂
Our ministers has achieved the highest salaries in the world but not its citizens
只说！部长工资高
不说！他她为国家赚多少錢回来
你有这本事
你可去做部长
又没人说！你不可以做
在问一下你
周公子和部长！谁的工资高
@@YENNEE-fs9wz Welcome to Singapore. Some people here complain everyday but never emigrate.
@@CattleFarmer667 谢谢你
@@CattleFarmer667Because they don't have an option to move away.
That is meant to be by design. The government needs to keep you fed just well enough but always left wanting for more and never enough for financial freedom so that you can continue to work, work and work until you die. If everyone achieves financial freedom, who is left to do all the work? Work in army, police, scdf, civil service, banking, manufacturing, etc?
Whether PAP or opposition doesn’t matter. They all eventually turn out to be the same. Just wolves in different skin. You are the sheep. You are meant to work, give up your wool while alive and your meat when you die.
The sooner one understands this, the sooner one stops looking towards the government for answers. Don’t be deceived by those in opposition telling you otherwise. Who do you think will be paying for all those socialistic welfares that all the oppositions promise in their manifesto? Us sheeps of course.
Learn to break the cycle on your own and become a wolf yourself. Or at least a sheep in wolf skin.
👍
Locals are too daft to be wolves. And some may be wolves in sheep skin, the majority more than 60% are confirmed sheeps, taking the data from the pervious election result!🤣🤣🤣😆😆
TOTALLY AGREE!! The Bigger your commitment to your mortgage/kids, the larger the rat race!!
所以呢！
新加坡人都可财务自由
只要先苦后甜
简单说
低配生活 高配灵魂
问心无愧
不欠任何钱！人情债
well said 👏
I'm a professional and I'm still working at the age of 60. I used to think that I should be able to at least retire partially and work part-time when I reach 55, but realized that was not possible when I was 55. Now at 60, I don't see myself being able to retire anytime soon. Mind you. I live humbly. In a HDB flat and eat at hawker centres. Yes I do go for holidays now and again, but to nearby places like Malaysia and Thailand.
Older retirees, especially those who have less than 100k in their retirement, are now facing financial difficulties, especially retirees who are having chronic illness. They have to spend high medical fees and expensive food, utilities, transport etc.
So many Singaporeans think they will retire in Australia. The doors are closed.
Batam indo is still ok....
Who be the Pm also no use, majority people said they choose the pap party but only getting more and more sufferings and problems from the pap party always of course.
Also majority people said the pap party run out of land to build hdb flats and run out of road for cars, but the pap party still dare to allow non singaporeans to buy hdb flats.
Who are the majority?
The real problem is the inflationary pressure!
A recent survey by Singlife has revealed that more than two in five people in Singapore believe they will never achieve financial freedom based on their current financial trajectory.
新加坡人
人人可以财务自由
简单说
低配生活 高配灵魂
The survey also explored the long-term financial impact of parenthood, with half of the respondents estimating that more than S$500,000 is required to raise a child in Singapore from birth to age 21, based on a median monthly expense of S$1,918.
In Hong Kong, the running meme is that it takes 4 million HKD to raise a child. Looking at our exchange rate, it's about there.
Don't overthink too much. Just get your house as early as you can and finish paying for it in the quickest time as you can so you don't pay more in interest. Then just rent half or your whole house to others and you will definitely have money as well as assets in your life.
Happiness or comfort is another story though.
Singapore can be tough and tricky to live in but at the same time it isn't really that tough and tricky to live in at all once you get your basics right.
My family bought lots of lands before the pap started to exist. Beside that also got will,savings,business, investments,education and decent jobs etc. Material comfort and financial issues have always been the least of my worries in Singapore.
If you are poor and suffering just read the first paragraph is enough. As it is there fully to help you and give you hope.
If you are itchy and inquisitive then read everything. It's for you as well too by the way.
This survey is flawed, "3000 Singaporeans and Permanent Residents" in this survey.
Why the need to include the PR's? How many Singaporeans and how many PR's?
Maybe the overall percentage could be higher than 40% if survey all Singaporeans only.
More than two in five Singaporeans believe they will never achieve financial freedom, citing insufficient income, unforeseen expenses, and job insecurity. Singlife’s survey reveals that it could take 30 years to reach financial independence, up from 27 years last year, amid rising costs and inflation.
They forgot to survey 1 year olds and 5 year olds
How come asked 18 years old for survey. Appropriate age should be 50 years old and above. Don't make sense.
I know many people aiming for FIRE by their 40s including myself .
Cherry picking?
If u only asked 40-50yo, the result might be 80% cannot reach FIRE.
@@JohnnyJohnJon83 FIRE for what. Find a job wfh 3 days a week.
Despite having one of the highest GDP per capita in the world, a very high percentage of population still feel financially insecure. Very high cost of living could be the culprit.
Compared....
A family of 4 with 2 school going kids with household income of SGD6000, owned a old hdb with 60 years lease left and had to grab for whole family to go out for a dinner.
Versus.....
A Malaysian family of 4 with 2 school going children with SGD4,000 (MYR13,000) monthly income, able to afford a freehold landed property and whole family able to afford owning 2 cars to go out for dinner.
Which family has better quality of lives?
in msia, salary is only RM6000 for whole family
I'm going to go with the family depicted in the first paragraph because just the thought of crossing the damn border everyday to go to and fro sucks.
It will be interesting if the government or opposition will comment on the findings of this survey.
I can retire today and achieve financial freedom for the rest of my life...if I only live till next week
Are you assured you can take out your CPF say 20 years down the road as medical cost skyrocket? Likely it will be locked further.
Well, it all depends on how many desires one has. The more the desires, the more they have to work to maintain their lifestyles.
We want so much, but we need so little. -Sri Chinmoy
humans are like cows tied to a tree. The more the cow wants to move, the more suffocating he feels the rope around its neck. The more desires one has, the more suffocating one feels.
Live for you wants or for your needs? Make you choice.
There are people who buy so many things they don’t really need. 1 pair of feet but 5 pairs of shoes. Wasteful. Schools should teach children how to manage their financial.
Exactly , life is simple and we only need the essentials
@@emedlearning9035Yes for that also crazy High cost in countries like Australia, Canada and Even in india.
In Singapore 500K can buy myself a HDB 4 room flat bto at mature estate. For that same 500K i can get myself a pool villa in thailand at a beach front. Financial freedom is bullshit is just we are living in the wrong country where the cost of living is ridiculous. If we reverse and compare ourselves to US for example their cost of living is even higher with many individuals in debt. The main reason is we are building other peoples dreams by working for them
rather than our own.
500k four bedroom apartment 😮 so cheap
They were engaged in building the nation and maintaining it while others enjoyed it. Say like guest in five star hotel
Of course, National Service took away 2 years of our men earning potential!!!!
Government felt that the “peanuts” given to them every now and then are god-send is making a terrible mistake!!!
It is TRULY PEANUTS!
Give all our NSmen at least subsidize $200,000 in today’s money when they purchase their first HDB flat!!!!!
But but bit feminist will complain about gender inequality why women don't have such subsidy when only men have
definitely because now everyone stretching finances, buying the most expensive stuff, spending beyond their means, definitely hard to even save yourself from emergency, much less talking about "freedom".
If even Singaporeans don’t believe in getting financial freedom, idk how the rest of SEA gonna survive
According to the survey, "financial freedom" means the ability to lead a desired lifestyle without worry (21 per cent); free from debt obligations (19 per cent); having stable work to support lifestyle (12 per cent); and the ability to spend freely (10 per cent). The survey didn’t ask how many can retire comfortably without working. Hence I think the majority of Singaporean (80+%) could not be able to retire using this "universal" definition of retirement without work and by only living of their savings, pensions and investments.
What is financial freedom?😊
unforeseen expenses (38 per cent), job insecurity (32 per cent), and debt repayment burdens (28 per cent).
@martinbrock713 SG can be considered good. More than 60% of the world's population will never be able to achieve financial freedom. It's worse in under developed countries.
PAP created all these problems. Rise in GST, uncontrolled influx of immigrants, and overpriced HDB prices.
I don't know what is this prof talking about. It just give me the the impression it's a 50/50 chance, either you strike toto or you don't. Either you win back the two grc or you lose two more grc.
@@toisenwon5000Very likely he is also an FT, where had benefitted from the no quota CECA agreement that brought him here to earn his wealth of millions of dollars. So he cannot comment bad about policies here.
@@jasonlim6060
Indeed. A political party that insisted on hearing the good things immediately.
@LawrenceWank since you say PAP is the problem, then the people should remove the problem. What is the alternative? Perhaps you can elaborate.
Not surprising though the survey should have excluded PRs given that the govt has granted exponentially number of PRs. Seriously which sane govt would decide to impose gst hikes amid the accelerated inflation. Yet the govt decided to roll out consecutive hikes in gst which also exacerbated the overall cost of living. Not forgetting medical bills are exorbitantly high in SG. And with the skyrocketing property prices and smaller housing, in addition to rising costs of everything else and reduced job security from the influx of foreigners with easy access to become permanent residents, living in Singapore is just getting increasingly suffocating.
How to? Yr hdb can easily cost over 1 million now...Yr toyota almost 200k. Your bakchor mee will be 10 bucks in 2 years time
1 out of 4 persons in Singapore are financially free, that is not out of the norm compared to other developed economies. In Australia, only 38% of Australians have enough savings to cover their basic living expenses for at least three months according to studies. Over in Japan, 63.2 percent of respondents said they do not feel financially secure.
With Singapore's high cost of living and always giving more opportunities to foreigners to turn Singapore into a Business Capitalist City, local citizens will never achieve financial freedom. You keep on voting for the PAP, the Lee Kuan Yew Dynasty will always benefit from it. Lee Kuan Yew's vision is not for the poor or mentally ill, it's for the rich and famous lifestyle hence more citizens are migrating out while they import western 'expats' and asian 'foreign workers'.
So people are not happy here they are also moving out right?
This is only true, what resource do we have here? So those dun like Malaysia, they move here. Those who can't stand Singapore, move upwards across the Straits to find happiness and live in comfort.
Basically becomes the world’s laundering butthole
@@dancingnachos3634 if you are not happy in Singapore, leave. Vice versa for those in their own countries who are not happy in their countries, the leave. Opportunities are everywhere. This is what capitalism does to you. It segregates you through different social classes. The rice lives amongst the rich, the poor lives amongst the poor. If you are poor in Singapore, you can be rich elsewhere outside of Singapore. Think about my there are Singaporeans who renounce their citizenship to get back their CPF or sell their houses to live elsewhere that matches their needs.
@@leanne2330Singapore has no natural resources which is why they depend on 'human' resources. They tax you dry through CPF, import taxes and hefty fines. They will keep on taxing you especially through business taxes and other mandatory citizen taxes and if they fail to tax you, they will welcome foreigners who can contribute to their needs. Singapore is an example of a perfect capitalist society. The rich gets richer and the poor gets poorer.
although Jamus added that the rationale behind the arguments is that curbing welfare prevents a dependency mindset and that day-to-day living in Singapore is essentially affordable.
when it comes to attitudes and mindsets about welfare, calling state support for the poor “remarkably limited”,
One viable solution. Get out. Stay out. Work your way out there. Make your mark. The opportunities are vast. Do not liquidate everything you have here. You are still considered a foreigner in a foreign land no matter how long you’ve lived there.
Even illegal workers stealing delivery work from citizens desperate enough to resort to food delivery risking their lives on the roads
Is this a LIE if, and only if, someone says "inflation is coming down and food merchants are still selling at profiteering prices"
meanwhile ppl in Indonesia cant afford a house or buy milk for their kids
Imho:
The survey did not factor-in 1 very important point. The 'Prospect Theory' or 'Loss Aversion' Theory.
The majority of us out there know how to become financially independent, but very few can realise this goal. Not everyone is able to take similar risks. Time in the market and not timing the market is critical.
PAP has failed Singaporeans to curb the drastic increase in property prices for the last few years. The cooling measures are too little too late. COVID is just an excuse for their incompetent. Living cost in Singapore is too high and quality of life is lower than other countries where big house and car are so achievable. Furthermore, in these countries, you own the house unlike 99 years leasehold in Singapore where one don't own the house but like renting one. But majority of people don't realize that as they don't venture out of Singapore and continue with the rat race.
I agree. If you don't travel out of Singapore, be a victim to the no freedom of speech and close mindedness, even you as Singaporeans will keep thinking Singapore is a 'safe' country. But safe for who? Safe to welcome rich foreign talents but not safe for the citizens. There is no room for the poor and mentally challenged citizens. Millenials have to wake up and start voicing their opinions out because they saw drastic changes from the Kampong Spirit days to a Prison City or as the West calls it, 15 minutes City that Singapore is now.
so will you complain about high property prices when it's your turn to flip your BTO? Think not
@@muhammadmustaqiim18 you really think there's a country that values the poor and mentally challenged?
All migrate to Malaysia and become second class citizens.
According to the survey, 44 per cent of respondents expressed doubts about ever reaching financial freedom, citing major roadblocks such as insufficient income (53 per cent)
Very SAD to hear this. We live, work hard, look forward to enjoy retirement life. But most feel will not be able to doing so.
all these young generation want luxurious lifestyle of they set high price these peoples can't lead a simple life
😂😂😂 my young colleagues almost every afternoon buy Starbucks. Average price of Starbucks is sgd7. Their one week Starbucks expenses can buy me 3x30 egg for my family a month. Yet the can complained to me no money to save up for housing 😂😂😂. They also frequently Jio me go Japan restaurant. No wonder always not enough money 😂😂😂
As the saying goes: the people like to choose the pap party so let the people suffer.
Did she say retire Australia?? where a plate of nasi lemak is $17?? What planet is this woman living in??
What's important singapore became a multi-nation country, multi-nation-singapore so even with the saf soldiers also no use, it's the pap party mistakes and there's no way to u-turn back.
although he added that the rationale behind the arguments is that curbing welfare prevents a dependency mindset and that day-to-day living in Singapore is essentially affordable.
A dependency mindset is the result of experience of mostly having insufficient resources for day-to-day expenses and thus needing benefits. Is day-to-day living in Singapore actually affordable independent of actual income, age and experience or is this wishful thinking from someone who has never had to struggle?
Wow, that means 60% think they will. That’s actually a very good number!
Just make sure we'll be able to sell our old HDB according to market rate and with CPF people will believe good life ahead as a Singaporean.
O.5mil. For 4rm bto,1mil for resale how to save.
Surprisingly majority people said the people are the every day opposition people themselves.
In SG, let’s be honest. The majority of us will be working till death.
With such high inflationary pressures, the real income savings can not match the retirement requirements. Not to mention to reach financial freedom goals.
stinkapore = pay and pay
Permanent residents don't enjoy govt payouts and have reduced benefits; e.g. pay higher medical fees.
New citizens actually benefited the most and some have assets in their motherland.
The survey, conducted between April and June 2024 among 3,000 Singaporeans and permanent residents aged 18 to 65, also found that respondents believe they need approximately S$612,045 to feel financially free, an increase of 8 per cent from S$566,640 in 2023.
Mau balik ke indo, rasanya betah bener di singapore. Gak mau pulang.
is that so difficult to imagine when we have "Talents" to help
While singapore passpot may be strong how many have money and reason to visit the places even if they do the other place is not better than singapore and same with Japan . Development and perfection comes at a price
If everyone gonna retire early, then who gonna continue to work? Think about it. Our G not stupid la, 😂
These challenges have contributed to a decline in the overall Financial Freedom Index score, which dropped to 58 out of 100 in 2024, down from 60 in 2023.
“Singapore has vaulted up in the league table of per capita incomes worldwide, and as of this year, is expected to come in between 3rd and 5th.
Just looked at a simple thing. 1 piece or ventolin inhaler can be bought across the border for less that SGD8. Yet, the same item here can only be purchased at pharmacy with a doctor's prescription. Imagine how much an asthma patient had to pay a doctor just to acquire a prescription to purchase 1 x ventolin inhaler at pharmacy that sells at SGD18, excluding cost of doctor's prescription. Why intentionally increased the cost for asthma patients?
you die die want the branded ventolin brand of cos expensive la. Salbutamol inhaler is on SDL here in SG, 1 inhaler confirm less than $5
@@jj96432 i am not sure about this other brand, is it also able to be bought over the counter in Singapore? As ventolin inhaler needed doctor's prescription before able to be purchase from the pharmacy?
@@jasonlim6060 i think all public hospitals and clinics stock the generic brand
Achieving Financial freedom isnt just a monetary aspect. More importantly, it is an emotional choice. The real issue is finding a higher purpose when you retire from your job that gives you the next phase of life after your working life. A lot of people missed the point and focussed on the monetary aspect. This is why many failed and returned back to work. CNA should have interviewed an experience life coach instead of this person. It is a lot deeper than what is being said. The 60% who were surveyed that they can be financially free, how many of them really do?
With a JB house, we have achieved financial freedom
what is the meaning of financial freedom? i mean, first of all, singapore is a small land. most people cannot afford landed and have to stay in condos/flat. by so, they are bounded by mortage/rent/maintenance cost. housing is one of the biggest cost in one's lifetime. in australia/nz/us, where land is big, people there achieved financial freedom by going small, living in tiny houses, downsizing, where they are free of mortages/rent/hassle of maintaining a big property. you can't do that in singapore. how are you going to get a mobile trailer and build a home and park it at some place and live there? so singaporeans had to spend their first half of life (1-50yo) accumulating wealth to get housing until it's fully paid off... so that leaves them with moderate or less amount of money to save for retirement...
Would u have expected a poll run by an insurance company to tell otherwise?
Thanks to the PAP
Don't worry 70% will vote for the incumbents, falling for the same old tricks.
90 %, come on, especially real estate and having a family.
For a small city-state with no discernible natural resources, this is an incredible achievement,”
O I think the figure is more like 90%. 9 out of 10 people I know after resigned to working for the rest of their lives.
So wats tix 40% people pay and pay on their life?
Single life is making the path much more easier
yeah... make life simple
New citizens should be excluded because they don't genuinely represent us as singaporeans.
60.1% voted for this
luckily....or else will b worse...
and the other 39% want to vote to make our situation worst.
Will it make any difference?😂😂😂
@@father88888 if you knew it would be then you would be rich from TOTO, fact that you aren’t means you have no idea
@@JojoJoget u shld tell the person who said 60% ppl voted for this....how he knows will b better if voted against ?
40% is not shocking actually... People with diploma will have lower chances of finding a high paying job. With the current standard of living, they will take longer to save up. And in no way everyone can achieve financial freedom, that is pipe's dream.......
Why is this surprising??
Singapore always proclaimed themselves and the west as a very developed and super rich country. How come most of the working population cannot afford a good retirement?
Thank you for the GST HIKES......
Let's always do alot of good ❤
Nam myoho renge kyo
Is HDB and hawker center is fine, then most Singaporean can achieve financial freedom. If western lifestyle is the goal, then another thing
If they repent from kidnapping(the 20+ years) and pay penalty - financial freedom is nothing, they spent on cars, investing for around close age to look more powerful, but wanting to create discipline(a reason to injure) and whatever statements like a bullying. Saving-statement to profile as causer of pain also exist.
Not surprised as its only a small island without natural resources and relying heavily on its currency strength to survive.. matter of time it will become another HK
40% of Singaporeans should not vote PAP or you'll certainly never achieve financial freedom. Vote for opposition instead. While it may not guarantee you achieving financial freedom, but more opposition MPs ensure greater chance of impasse in Parliament. At present, PAP is your main problem and obstacle. The lesser opportunity for PAP to act in Parliament would mean lesser problem for Singaporeans.
You’re wrong. Best is to have NO government , open up reserves, give ALL monies to Singaporeans. Who really cares if Singapore will exist in 10 years time or if future Singaporeans can survive in this world.
One should never rely on the government to achieve financial freedom.
@@JohnnyJohnJon83 exactly. Yet so many are doing nothing for themselves and instead, find the easy way out by blaming everyone else for their failures
Opposition can give us a better life? How ah? By lying in parliament?
@@JustinKiddin cos their dream is that oppy will unlock reserves and distribute everything to them
...so there's nothing good about living in Singapore!...if u can't achieve financial freedom! Singapore is a Foreigners dream , a richman's land! while true Singaporeans struggle througout their lifes!!
Those 40% who cannot achieve financial freedom, how many carry iPhone?
high inflation has lowered the purchasing power of incomes, and unless you’ve money set aside in special savings accounts, CPF rates haven’t kept up, making you permanently poorer.”
Just lower your standards and we can retire!
40% ? Only?
There's a lot of thinking and believing going on here. Are there no national statistics on the percentage actually reaching financial freedom at retirement?
Presumably, any retired person receiving means-tested benefits does not have financial independence, so that number should be readily available. With that information, people should not need to think or believe anything... they would know what their retirement was probably going to look like, based on a predictable outcome.
great point!
HDB flat at SGD 1 million dollars will be a norm in 5-10 years' time. How to buy for normal people??
That is resale flats lah. You will be fine as long as you don't sell your houses for quick cash and speculations purposes. And no pity for those who do so and got their hands burned in the process.
@@anglo-saxonconnor817 BTO flats cost at least $500k
Half a million for 5 room flats at good districts. Those who want it they can still somehow secured and finished paying for it using minimal cash payments within the 25 years repayment timeframe.
Condos cost even more actually.
I get your point but I still need to point it out it's still achievable and people are still going to get these houses whether they have the means to or not. That's the annoying thing about life.
The good old days and golden age of Singapore is long gone already and the pap won't be able to make it come back again anymore. Try to get used to it and cheer up 😉
I'm not your enemy ah. I don't like pap one. Lol
The housing game. Sigh. Lol
So hard to play it right and so pointless to play it in the first place to begin with.
In the beginning it is simple. Buy. Upgrade. Push the price tag up and let the new generations to take over the mess.
Now even worse. Private owners cash out and downgrade while HDB owners try to upgrade. It's like a merry go round. And before people know it they spend almost a lifetime transiting between these two predicaments trying to chase their material dream in Singapore.
I?
Buy. Live. Stay put.
Then inherit houses. Cash out a few of them and live however and wherever I want. All without breaking into a sweat and losing my hair in the entire process.
I won't play this game if it is too tough. But unfortunately alot of people will still want to play it even without the luck and ability in life.
@@anglo-saxonconnor817 Go overseas buy a plot of land hire someone build your own house less than 100k
once take loan, forever paying back, slowly.
1:43 and you havent accounted for a 5% probability of having a special needs child who can easily cost above $1m in ligetime care costs...
$600k not going to achieve financial freedom.
FIN. FREE IS IMPOSSIBLE IN SINGAPORE ! IN 9 TO 5 JOB !
due to rapidly ageing society, more ppl like to complain, nag, argue abt everything....
You have easy solution: move to Malaysia
You will need to settle cpf minimum sum requirement as well have enough to put into Malaysia my second home scheme before you can live in Malaysia in peace and style otherwise you will still struggle. So it is not as easy as people make it out to be.
The good and safe way to live in Malaysia is you still have an asset and drawout in Singapore. That way if Malaysia policies yoyo you won't be screwed.
The dangerous and unwise way to live in Malaysia is you cash out everything you have in Singapore and live in Malaysia. Anything happen to you you will be left with no options in life at all.
@@anglo-saxonconnor817😂😂😂😂😂😂😂😂😂. Rent your HDB out. Go malaysia. 😂😂😂😂😂😂😂
Even if you rent out your HDB you can't properly stay in Malaysia for a prolonged period of time. Once your travel visa is expired you will have to travel in and out again. Meaning you will be confined to the border areas of sg and Johore.
The ibs are correct about one thing on me. I am a expert in overseas fine living.
Swesome report
What is financial freedom? What is the extent of the limit?